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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $203,289 | $29,319+593.4% | $52,425+287.8% | $82,448+146.6% |
| Participation rate | 13.9% | 46.9%-33.0pp | 55.6%-41.7pp | 68.1%-54.2pp |
| Annual return | 19.53% | 535.20%-515.7pp | 302.12%-282.6pp | 41.64%-22.1pp |
| Employer contribution / active EE | $328 | $586-44.0% | $914-64.1% | $2,551-87.1% |
| Participant deferral / active EE | $1,157 | $1,171-1.2% | $1,790-35.4% | $4,139-72.1% |
| Admin fee / account holder | $5,004 | $1,962+155.0% | $2,495+100.6% | $7,234-30.8% |